Read this before you trust a number.
Intrinsic is a modelling tool. It is not a financial advisor, a broker, a research provider, or a recommendation engine. Outputs depend entirely on the assumptions you supply, and should be treated as one input to your thinking — not a verdict.
Nothing here is investment advice.
Intrinsic does not provide personalised investment advice, recommendations, or solicitations to buy or sell any security. Nothing on this site, in any generated report, or in any accompanying narrative constitutes a recommendation to take or avoid any investment action. We do not know your financial situation, your objectives, your risk tolerance, or your constraints. We do not adjust outputs to reflect them.
For decisions of consequence, consult a qualified financial advisor authorised in your jurisdiction. In the United Kingdom, that means an FCA-regulated adviser. Intrinsic is not regulated by the Financial Conduct Authority and does not hold itself out as authorised to provide investment advice.
Built for learning.
The platform exists to help users understand how a discounted cash flow model is constructed and how its inputs affect output. That is its primary purpose. Use it to test a thesis, stress an assumption, or learn the mechanics of valuation. Do not use it as a source of price targets.
The inputs have limits.
Financial data is sourced from Yahoo Finance and SEC EDGAR. Both are public, free, and generally reliable for US large-caps — but neither is a paid institutional feed. Specifically:
- Data may be delayed, restated, or temporarily unavailable. Recent earnings can take days to flow through.
- Segment data, one-off items, and non-GAAP adjustments are not always cleanly classified by the underlying source.
- Coverage is limited to the S&P 500 during beta. Financial sector tickers (banks, insurers) are blocked because the standard DCF framework does not apply to them.
- Historical averages used for assumption suggestions are three-year defaults — they do not capture regime changes, cyclicality, or one-time events.
A DCF is a useful fiction.
Every valuation model encodes assumptions about an unknowable future. Intrinsic outputs are particularly sensitive to terminal growth rate, WACC, and revenue projections — small changes in any one can move intrinsic value by tens of percent. The sensitivity grid in every report exists for exactly this reason.
Do not interpret a single intrinsic value as a precise price target. Interpret it as a function of your assumptions. If your assumptions are wrong, your output is wrong.
Garbage in, garbage out — but in finance, "garbage" often looks like a confident five-year forecast. Treat every output as conditional on assumptions you can justify in writing.
Provided as-is.
The service is provided on an "as is" and "as available" basis. We make no representation or warranty, express or implied, regarding the accuracy, completeness, timeliness, or fitness for any particular purpose of the outputs. Past or projected performance shown in any report is not indicative of future results. We do not guarantee uninterrupted access, error-free operation, or that the service will meet your specific requirements.
You bear the risk of your decisions.
To the fullest extent permitted by law, Intrinsic, its operators, and its contributors will not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the service or reliance on its outputs. Investment decisions are entirely your responsibility. You agree to verify any output independently before acting on it.
No positions taken on your behalf.
The operators of Intrinsic may personally hold positions in securities that the platform models. We do not accept payment, affiliate fees, or other consideration from issuers, brokers, or any third party in exchange for coverage, ranking, or presentation of any ticker. The model treats every S&P 500 constituent identically.